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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $87,445 | $77,817+12.4% | $123,553-29.2% | $64,173+36.3% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -4.60% | 12.49%-17.1pp | 119.21%-123.8pp | 7.63%-12.2pp |
| Employer contribution / active EE | $3,941 | $3,014+30.8% | $4,628-14.8% | $2,381+65.5% |
| Participant deferral / active EE | $6,648 | $5,240+26.9% | $6,426+3.5% | $3,470+91.6% |
| Admin fee / account holder | $9,027 | $5,519+63.6% | $9,284-2.8% | $4,887+84.7% |